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Signature(s)

Amount
€ 10,000,000
Countries
Sector(s)
Morocco : € 10,000,000
Credit lines : € 10,000,000
Signature date(s)
11/12/2004 : € 10,000,000
Link to source

Summary sheet

Release date
26 November 2004
Status
Reference
Signed | 11/12/2004
20040392
Project name
Promoter - financial intermediary
2nd "Micro-Credit Associations" global loan
Moroccan microcredit associations selected by the EIB (notably Al Amana and Zakoura)
Proposed EIB finance (Approximate amount)
Total cost (Approximate amount)
EUR 10 million.
EUR 20 million (the EIB's loan will finance no more than 50% of the increase in the borrowers' outstandings over a period of approximately one year).
Location
Sector(s)
Description
Objectives

Establishment of a long-term (10-year) credit line from risk capital resources for leading Moroccan microcredit associations to finance their lending to small-scale enterprises. This facilily will have the features of a loan in dirhams (the exchange risk will be borne by the Community budget).

To support the development of microcredit in Morocco and thus contribute to the expansion of private-sector activities, the advance of women and a reduction in poverty.

Environmental aspects

No significant impact on the environment as such, owing to the very small size of the projects. There may, on the other hand, be a considerable social impact (large number of beneficiairies, the majority of whom etablish sustainable activities).

Comments

Financial (and a wide range of small-scale economic activities, mainly commerce, crafts and trades, as far as the final beneficiaries are concerned)

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Disclaimer

Before financing approval by the Board of Directors, and before loan signature, projects are under appraisal and negotiation. The information and data provided on this page are therefore indicative.
They are provided for transparency purposes only and cannot be considered to represent official EIB policy (see also the Explanatory notes).

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Enquiries and comments concerning the EIB’s involvement in a project or the financing facilities, activities, organisation and objectives of the EIB, can be sent to the EIB Infodesk.
Alternatively, the EIB can be contacted through its external offices.
Queries regarding details of a specific project, in particular when it is under appraisal by the EIB, should preferably be addressed directly to project promoters.

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Any complaint regarding alleged maladministration can be lodged via the EIB Complaints Mechanism. The European Ombudsman acts as an independent external accountability mechanism of the EIB.

Zero tolerance against fraud and corruption

The EIB has a zero tolerance policy on fraud or corruption. To report allegations of fraud and corruption relating to EIB-financed projects, please contact the Fraud and Investigation division. All complaints will be treated as strictly confidential and handled in line with the EIB investigation procedures and the Anti-Fraud Policy.

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